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INTRODUCTION
In return for the payment of your premium we will provide insurance
for your electronic equipment during the period of cover as stated
in the application form overleaf, subject to the terms, conditions,
and limitations shown below or as amended in writing by us.
For monthly insurance policies this is a monthly contract and is
only in force if the monthly premium has been paid.
For policies of a longer duration premium must be paid at inception
and the policy will remain in force for the period shown on your
Letter of Introduction and will remain in force until the period
expires or is cancelled in accordance with Conditions and Limitations
5, 6 or the section headed Cancellation.
DEFINITIONS
The words and phrases defined below have the same meaning wherever
they appear in bold in this certificate.
Accidental loss means that the electronic equipment has been accidentally
left by you in a location and you are permanently deprived of its
use.
Commercial vehicle - any vehicle used wholly or partly for commercial
or business purposes or any other vehicle that is being used for
commercial or business purposes at the time of any loss or damage
to the electronic item.
Electronic equipment – the single item insured by this certificate,
purchased by you and provided by a supplier approved by us.
Immediate family – your mother, father, son, daughter, spouse,
domestic partner.
Period of cover – for monthly policies 1 (one) calendar month
from the inception date, renewing monthly on the same day each month
(the last day of the month will apply appropriately to each month)
provided the monthly premium is paid. For policies of longer duration
the period is specified in your Letter of Introduction.
Reasonable precautions – all measures that it would be reasonable
to expect a person to take in the circumstances to prevent accidental
loss, damage or theft of your electronic equipment.
Terrorism means any act, including but not limited to the use of
force or violence of the threat thereof, of any person or group
of persons, whether acting alone or on behalf of or in connection
with any organization or government, committed for political, religious,
ideological or similar purposes, including the intention to influence
any government to put the public or any section of the public in
fear.
Unattended – not within your sight at all times and out of your arms-length reach.
We, us, our – Equity Red Star.
You, your – the person, who owns the electronic equipment as stated on the application form overleaf.
WHAT WE WILL COVER
A. Accidental Damage
We will pay repair costs if your electronic equipment is damaged
as the result of an accident.
B. Theft
If your electronic equipment is stolen we will replace it. Where
only part or parts of your electronic equipment have been stolen,
we will only replace that part or parts.
C. Accidental Loss
If you lose your mobile phone or PDA we will replace it. No other
electronic equipment is insured for loss.
D. Breakdown which occurs outside of the manufacturers guarantee
period. This cover is not available on computers.
WHAT WE WILL NOT COVER
Your electronic equipment is not covered for:
1. Theft:
• from any commercial vehicle, convertible or soft topped
vehicle;
• from any motor vehicle where you or someone acting on your
behalf is not in the vehicle, unless the electronic equipment has
been concealed in a locked boot, locked glove compartment or other
locked internal compartment and all the vehicle’s windows
and doors closed and locked and all security systems have been activated;
• if left on any motor vehicle roof, bonnet or boot;
• from any type of transport except as permitted above;
• from any building, land or premises unless force, resulting
in damage to the building or premises, was used to gain entry or
exit;
• from your control or the control of any member of your immediate
family, except where it has been concealed either on or about the
person and not left unattended, or the use of physical force or
violence against the person has been used or threatened;
• where the electronic equipment has been left unattended
when it is away from your home;
• where reasonable precautions have not been taken;
• if the serial number has been tampered with in any way.
2. Loss or damage caused by:
• you deliberately damaging or neglecting the electronic equipment;
• you not following the manufacturer’s instructions;
• routine servicing, inspection, maintenance or cleaning;
• the use of accessories.
3. Repair or other costs for:
• routine servicing, inspection, maintenance or cleaning;
• loss caused by a manufacturer’s defect or recall of
the electronic equipment;
• replacement of or adjustment to fittings, control knobs
or buttons, batteries or aerials;
• repairs carried our by persons not authorized by us;
• wear and tear or gradual deterioration of performance.
4. Any kind of damage whatsoever unless the damaged electronic equipment
is provided for repair.
5. Any loss involving a SIM (subscriber identity module) card.
6. Any expense incurred as a result of not being able to use the
electronic equipment, or any loss other than the repair or replacement
costs of the electronic equipment.
7. The first £25 of each theft or accidental damage claim
or the first £50 of each accidental loss claim or the first
£75 of each claim which occurs outside the UK, Isle of Man
and Channel Islands.
8. Loss of or damage to accessories of any kind.
9. Any loss or damage caused by the failure of any electrical or
computer equipment, software, micro-controller, microchip, accessories
or associated equipment to correctly recognize and process any calendar
date or time.
10. If the original SIM card was not in a mobile phone at the time
of the loss, damage or theft.
11. Reconnection costs or subscription fees of any kind.
12. The cost of replacing any personalized ring tones or graphics,
downloaded material or software.
13. The cost of any unauthorized calls following the theft, accidental
loss or damage of a mobile phone or PDA.
Please note: if you are insuring an item without SIM card capability,
all exclusions relating to SIM cards are not applicable.
14. War Risk
Terrorism, war, invasion, acts of foreign enemies, hostilities whether
war is declared or not, civil war, rebellion, revolution insurrection,
military or usurped power, confiscation, nationalism or requisition
or destruction or damage to property by or under the order of any
government or public or legal authority.
15. Nuclear Risk
Damage or destruction caused by, contributed to or arising from:
a. ionizing radiation or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of nuclear
fuel; or
b. the radioactive, toxic, explosive or other hazardous properties
of any explosive nuclear assembly or component thereof.
16. Sonic Boom
Damage or destruction directly occasioned by pressure waves caused
by aircraft or other aerial devices traveling at sonic or supersonic
speeds.
17. Loss of Data or Software
Any loss of or damage to information or data or software contained
in or stored on the electronic equipment whether arising as a result
of a claim paid by this insurance or otherwise.
18. Consequential Loss
Any consequential loss or damage arising from accidental damage,
theft, accidental loss, breakdown or from any cause whatsoever.
19. Liability of whatsoever nature arising from ownership or use
of the electronic equipment, including any illness or injury resulting
from it.
20. Value Added Tax (VAT) where you are registered with HM Revenue
and Customs for VAT.
REPLACEMENT
This policy offers replacement only and is not a replacement as
new policy. If the electronic equipment cannot be replaced with
an identical electronic equipment of the same age and condition,
we will replace it with one of comparable specification or the equivalent
value taking into account the age and condition of the original
electronic equipment.
CONDITIONS AND LIMITATIONS
1. Unless we have agreed differently with you, English law and the
decisions of English courts will govern this insurance.
2. This insurance only covers electronic equipment bought and used
in the UK, the Isle of Man and the Channel Islands. Cover is extended
to include use of the electronic equipment anywhere in the world
up to a maximum of 60 days in total, in any single 12 month period,
subject to any repairs being carried out in the UK by repairers
approved by us.
3. The electronic item must be less than 6 months old (excluding
Laptops which must be less than 28 days old) with valid proof of
purchase (not from online auctions) when the policy is started.
4. You must provide us with any receipts, documents or proof of
purchase, that it is reasonable for us to request.
5. This insurance may only be altered, varied or its conditions
altered or premium changed by one of our authorized officials, giving
you 30 days notice in writing.
6. We may cancel the policy by giving you 30 days notice in writing.
In the event of any claim you are responsible for the payment of
any outstanding premium.
7. You cannot transfer the insurance to someone else or to any other
electronic equipment without our written permission.
8. You must take all reasonable precautions to prevent any loss
or damage.
9. Cover excludes costs or payments recoverable from any party,
under the terms of any other contract, guarantee, warranty, or insurance.
10. In respect of monthly policies if the Direct Debit premium payment
is cancelled or unsuccessful at any given point, no benefits shall
be due whatsoever.
CANCELLATION
If you wish to cancel your insurance and pay monthly you can do
so in writing allowing one months notice.
For policies of longer duration you are only entitled to cancel
within 14 days of receiving your policy documents.
CLAIMS PROCEDURE
1. You must:
• notify Supercover Insurance Plc on 0871 222 1130 as soon
as possible but in any event within 48 hours of any incident likely
to give rise to a claim under this insurance;
• report the theft or accidental loss of any mobile phone
or PDA, within 12 hours of discovery to your Airtime Provider and
blacklist your handset;
• report the theft or accidental loss of any electronic equipment
to the Police within 24 hours of discovery and obtain a crime reference
number in support of a theft and a lost property number in support
of an accidental loss claim;
• provide us with details of the claim and any other contract,
guarantee, warranty or insurance that may apply to the loss including
but not limited to household insurance. Where appropriate a ratable
proportion of the claim may be recovered direct from these Insurers.
2. If we replace your electronic equipment the damaged or lost item becomes ours. If it is returned or found you must notify us and send it to us if we ask you to.
To help us improve our service we may record or monitor telephone calls.
WARNING
We will process your claim under the terms and conditions of this
insurance based on the first reason notified to us for the claim.
If your claim is not covered and you then submit a claim having
changed the reason we consider this as fraud. Details of all such
cases will be passed to appropriate agencies for action.
COMPLAINTS
We are proud of our reputation for fairness in our treatment of
our customers. However, occasionally disputes or misunderstandings
can arise.
Any enquiry or complaint you have regarding your policy should be
addressed to The Customer Services Director, Supercover Insurance
Plc., 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF. You
should provide details of your policy and in particular, your policy
reference number, to help with the speedy handling of your inquiry.
In the event you remain dissatisfied please write to the Chief Executive of Equity Red Star.
The address is: Equity Red Star, 52 Leadenhall Street, London, EC3A 2BJ
After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Complaints Department at Lloyd’s to review your case.
The address is: Complaints Department, Lloyd’s, One Lime Street, London, EC3M 7HA Phone: 020 7327 5693, Fax: 020 7327 5225, E-mail: Complaints@Lloyds.com
Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS).
The address is: South Quay Plaza, 183 Marsh Wall, Docklands. London, E14 9SR, Tel: 0845 080 1800
(These procedures do not affect your right to take legal action if necessary.)
COMPENSATION SCHEME
Equity Red Star is covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the scheme,
if they cannot meet their obligations. This depends on the type
of business and the circumstances of the claim. Most insurance contracts
are covered 100% of the first £2.000 and 90% of the remainder
of the claim. You can get more information about compensation scheme
arrangements from the FSCS.
MOBILE PHONES ONLY – we
will offer you a free battery subject to no claims being made within
the first 12 month period of cover. 12 consecutive monthly premiums
must be paid. The free upgrade is subject to no claims being made
within a 24 month period. 24 consecutive monthly premiums must be
paid on time. The free upgrade offer is also subject to signing
a new 12 month agreement with your service provider and the return
of your original handset. If you are not able to upgrade with your
service provider, you will not be eligible to receive the free upgrade.
These upgrade offers do not form part of your insurance contract with Equity Red Star. If you have
any questions or complaints about the upgrade or battery offers,
please contact Supercover Insurance Plc, 204 Cumberland House, 80
Scrubs Lane, London, NW10 6RF.
10/07
Claims Line 0871 222 1130
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